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Mortgage Market Update
Christy Keener
Christy Keener
Sunday, September 13, 2026
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Do you know how much equity you've built? |
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Welcome back. This week I want to shed light on a financial asset many homeowners overlook.
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National Mortgage Rates · September 10, 2026
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Conventional 30-Year
6.76%
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Source: Freddie Mac PMMS & Optimal Blue via FRED
Rates shown are national averages and are provided for informational purposes only. Actual rates vary based on credit profile, loan amount, and market conditions. Please contact us for a personalized rate quote.
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Equity Check
Your home equity is working for you
If you've owned your home for a few years and made regular payments, you likely have built up equity—the difference between what your home is worth and what you still owe. That equity is real money you own, and it can be useful when you need it. Some borrowers tap into their equity to fund home improvements, pay off higher-interest debt, or cover major expenses. Others leave it alone and let it grow. The key is knowing what you have available and understanding your options before you need them. If you're curious about how much equity you've built or what a cash-out refinance might look like, I'd be happy to walk through the numbers with you. Let's talk about what your home equity could mean for your financial goals.
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Tip of the Week
Gift funds from family can be used toward a down payment on most loan types — your lender will need a simple gift letter.
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Tips for Homeowners
VA Loans: Benefits Every Veteran Should Know
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1.
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VA loans require no down payment and no private mortgage insurance (PMI), making them one of the most powerful home-buying tools available to eligible veterans, active-duty service members, and surviving spouses.
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2.
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VA loans do require a funding fee (typically 1.25%–3.3% of the loan amount), which can be rolled into the loan. Veterans with a service-connected disability rating may be exempt from this fee.
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3.
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There's no VA loan limit for eligible borrowers with full entitlement — you can finance as much as a lender will approve. If you've had a prior VA loan, partial entitlement rules may apply.
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Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the Christy Keener team any time and we'll walk you through your options. |
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